USD.AI is a GPU-collateralized decentralized lending protocol for AI infrastructure financing.

USD.AI (ticker: CHIP) is a decentralized lending protocol designed to finance AI infrastructure by enabling GPU operators and compute providers to tokenize their hardware as collateral for on-chain loans. It features a dual-token stablecoin model with USDai (a dollar-pegged stablecoin overcollateralized by PYUSD and other assets) and sUSDai (its yield-bearing version that accrues real yield from GPU-backed loan interest). The protocol emphasizes on-chain transparency, decentralized underwriting by experts, oracle-free mechanisms, and a proprietary QEV exit system for efficient liquidity. CHIP serves as the governance and staking token that allows holders to influence protocol parameters, risk policies, and treasury decisions while participating in the insurance/backstop module.